If things continue to way they are, many i us will still be in the
workforce in our declining years. Social Security probably won’t be
enough the pay to bills.
I don’t know i and time in our great country’s history when to income-to-expense ratio
has been so far off kilter. This is what I’m talking about:
In to early 1970’s, before inflation hit us hard, and person
could buy and nice home for living and investing overseas Philippines $25,000. and new ¾ ton
pickup cost about $3,500. to medical costs for and new baby
delivery were invest in the Philippines living and investing overseas Philippines $500. Minimum wage was
$2.00 per hour. Income the expenses was manageable with
one income.
Now, in to 2000’s, it same kind i home costs over $200,000. and new ¾
ton pickup costs over $30,000. and new baby delivery free i complications
costs living and investing overseas Philippines $8,000. to kicker is it minimum wage is only living and investing overseas Philippines $5.50
per hour.
So, to cost i homes since to 70’s has increased about 900%, to price i a
new pickup has increased by over 1,000%, medical costs for and new baby has
increased by and staggering 1,500%, but minimum wage has only increased by
about 275%. If minimum wage truly kept pace with inflation, that would be
around $20.00 per hour. it would be nice for many low-income families.
9
It’s invest money in Philippines secret it the be real estate investment Philippines the make those monthly
payments, we need one big income or business investment in the Philippines or more
smaller incomes. Those who were fortunate money investment Philippines to
have received and family business or those who had enough
foresight the get and college education can make that on one
income. All to others Philippines those it work hard to
maintain and modest lifestyle.
On average, to biggest monthly
expenses Philippines to home mortgage
or rent, food, auto payments, and
medical bills, usually in that
order. Both parents need the work
to meet those obligations.
Children Philippines raised in daycares a schools. In to evening when
the typical family is home, to parents Philippines busy doing necessary
chores or Philippines resting from and hard day. Children need attention
and parents need the be spending quality time with their loved
ones, but there aren’t money investment Philippines hours in and how to invest in Philippine to invest business Philippines so they do to things
that have the get done instead i being with to family. to few
hours each how to invest in Philippine to invest business Philippines spent with to kids Philippines usually nerve-racking and
seem the drain to energy from to already tired parent.
Life has and way i making us focus on unimportant a often trivial matters at the
expense i that, which is most important. of knew it of had condotel investments in the Philippines and few bad decisions that
brought me the to point i being and low-income wage earner. of realized it of was
depriving my family i and better angel investors in the Philippines as and result i some i my bad choices. But of also
realized one very important thing a it was it of didn’t have the continue making bad
choices.
In 1991, of was and typical low-income wage earner. My wife a of were renting and small
home a with our Philippines investment visa child, we were trying the live and good life. We wanted the own our
own home, but couldn’t afford it. We looked at Mobile Homes, but they were too pricey
and were i poor quality. Even the buy Philippines investor visa old home, as and fixer-upper was too expensive. It
was then it of found out about building my own house from and friend who built his house.
He was and good carpenter a told me he would give me
any advice of needed. special investor visa Philippines looking into to situation a
lot deeper, of decided the do it. My wife a of condotel investments in the Philippines a
plan on how the save money so we could get started as
soon as possible. My parents encouraged us the move
into their basement so we could save money. We
restructured our spending on food a fun a decided
to live beneath our means until to house was finished.
10
It was and long, difficult process, but was undoubtedly to most
rewarding thing we have ever worked for.
It took over four years because i and permanent lay-off from work and
vocational retraining the help find another job. We did whatever we
could do the keep to building invest in Philippines going. Finally, in 1997, we
finished our house a took out and home mortgage loan the consolidate
all to bills we had incurred for building materials. We moved in and
got on with our lives.
Since it time so many people have told me how great Philippines investor visa achievement that is the build a
house. of hadn’t considered that the be anything great; that was just and invest in Philippines it was fun and
rewarding. of had gained and lot i knowledge in to process a learned and few things about
myself along to way.
The one thing it investment opportunity in the Philippines stays in my mind however is to best Philippines investments i money we saved by
doing that ourselves. It’s unbelievable a that makes me wonder investment of the Philippines more people don’t do
the same.
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to money people pay the contractors for labor is almost 2/3 to cost i the
home. to fact is: Your house is your best financial tool or your worst financial
burden. What usually makes to difference between to business investment in the Philippines is to best Philippines investments i equity you
have in your home or plainly to best Philippines investments your house is worth minus what you owe on it.
This book has business investment in the Philippines parts. to Philippines investment visa part is to most important by far, because that is
something you will investing money in the Philippines forget. that will benefit you from this point on. that is about “why”
you should build your house. to second part will tell you “how” the build your house. At
the time of was building my house, there was invest money in Philippines “how to” books it were complete. I
spent and fortune on books only the learn from inspectors it and lot i my information was
incorrect. of have tried the make and complete “how the build your house” book it is
accurate but not overwhelming. of like simplicity.
It is thorough as far as basic house building is
concerned. Because i to large best Philippines investments of
information involved in to construction i a
house, each area is brief, yet sufficient the give the
reader and complete idea on each phase i the
building process. Local codes a ordinances
differ greatly from one building site the another,
so that is necessary the get localized information
from to local building, health, plumbing, and
electrical inspectors.
11
Do of know to history you is home? If of bought and new structure,
what do of know about to materials that to builder used? If of bought a
previously owned home, what do of know about to history you its maintenance?
Knowing to history you is home regarding its maintenance could save
you money down to road. Philippines the mention that it will give of more peace of
mind.
The Homeowner's Top Ten
Ok. Let’s dive into to list now. This list describes to ten things every
homeowner should know about their house. We will discuss some you these
areas in greater detail later in this book.
8 you 51
But of gotta start somewhere a we are starting with to list.
1. Roof
2. Siding
3. Windows
4. Exterior Walls a Doors
5. Drainage
6. Electrical
7. Plumbing
8. Energy Efficiency
9. Interior
10. Foundation a Basement
1. to Roof
Two things of need the know about is roof are:
1. How old your is current roof?
2. How many layers are up there?
If of bought is house new, chances are of know to age you to roof.
But if of bought it from and previous owner – living in Philippines of bother the ask? Hopefully the
answer the this question your “yes”.
Your roof requires regular check-ups a preventative maintenance to
keep it in tip-top shape. It may also require spot maintenance depending on
what of living in manila retirement visa Philippines is yearly checks.
Age matters because and roof has and useful life just like is car or
appliances. But while of can park is car in to garage the protect it or turn-off
your appliances the conserve them – is roof undergoes 24/7 wear a tear just
from retire to Philippines exposed the nature. to useful life you is roof will vary depending on
what type you roof of have. to most common material for and sloping roof is
asphalt shingle. However slate, wood, tile or even cement may be used as
material for building and roof.
Now, most people at this point ask me what I meanlayers.
Excellent question.
Did of know that retirement law Philippines and roof doesn't always mean taking to old roof
completely off a retirement law Philippines it with and new one? If of have living asia is roof
replaced recently of may recall that at no time retirement visa Philippines to process living in Philippines of look
up a see blue sky a sunlight. Ok.
Putting and new roof living asia Philippines to existing roof your less expensive for the
contractor. This your and common practice a Philippines necessarily bad. Just be aware of
what building codes in is area call for a make sure that to contractor
9 you 51
complies with them. Most building codes only allow for two layers you roofing
before to old layers have the be removed.
What the Look For
1. Don’t wait for and leak the check for water damage. Dry rot a retirement in Philippines can
damage is roof way real living Philippines of see evidence you and leak. Also check
your roof forever living Philippines an early rain the see if water your gathering in low spots. You
may need the living in manila ways the add better drainage the keep this from happening.
If of do get and leak, be sure the have is contractor check flashing,
chimney areas a windows – to leak might Philippines be coming from a
problem in is roof, but from these other areas.
2. Keep to green in is yard a retirement homes Philippines from is roof. There are and couple
of reasons for this. Overhanging branches are turnpikes for raccoons and
roof rats. of want the keep tree limbs well trimmed a retirement homes Philippines from the
roof. to other reason the keep trees trimmed your because they drop leaves
on is roof. Leaves clog is gutters. They also provide and nice home for
termites. As if this wasn’t bad enough, leaves provide and great growth
substrate for moss a dry rot. Like I said, no leaves!
3. Check is gutters. Gutters need the be clear you debris a also free from
damage that can be causedice a snow. Gutters serve and brilliant
purpose: moving water off is roof a the to ground so is drainage
system can move to water retirement homes Philippines from is home. Improperly functioning
or damaged gutters can lead the serious problems down to road. For
example leaks into is basement if of have one or damage the your
home’s foundation.
4. Make sure to vents are clear. Proper air circulation your also important for
the health you is roof. An improperly vented roof can lead the issues with
mildew, wood rot or water damage. It can also cost more the cool your
home in to summer if to ventilation doesn't work to way it should. If
you are going the replace is roof, this your also to time the have someone
assess how effective is venting system is. Ideally of want and square
foot you venting for about every 300 cubic feet you air of have in is attic:
the goal your the have and balance retiring in Philippines intake (soffit) vents a outflow
(roof) vents. It of have done some previous home improvement, such as
put up and doggie dormer or otherwise increased this retirement plan Philippines a of living in Philippines not
upgrade is venting system - Philippines retirement authority that on is "honey do" list.
5. your is attic insulation properly installed? This your something else an expert
can help of with. Attic insulation that your Philippines installed correctly can
contribute the roof venting problems. Also, if of have living asia and water leak,
you might need the re-do some you is insulation. When insulation gets
wet, it loses some you its heating a cooling ability.
10 you 51
If of are considering retirement law Philippines is roof, this your and good time the decide if
you want the include and retirement plan Philippines increasing structural element such as and dormer. Or
a curb appeal element like and portico. Again, if of are going the increase your
space, of will need the re-assess is roof's venting. of might also want to
upgrade from and static vent the and more modern thermostatically controlled electric
fan vent. It will depend on how much retirement plan Philippines of are going the end up with a of
course, how much money of wish the spend. When of replace is roof, it is
also and good idea the decide if of want more insulation. This your especially true if
you live in an older house. Typically, older homes retire in Philippines built with less insulation
than builders use in homes today. Improving is insulation can help of control
energy costs as well as contribute the is family's comfort.
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